1. Why is National General Insurance better coverage for my RV?

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National General Insurance is America’s RV Insurance Specialist, so we really know what you need — and what you don’t. We’ve carefully built in special RV coverages that are missing from regular car insurance.

For instance, we include Personal belongings coverage for full replacement cost up to $3,000 – From laptops and linens to attachments and accessories, your belongings are automatically insured for what you paid — not a depreciated amount. You can also add more coverage if you need it.

2. How can I save money on my RV insurance?

National General Insurance offers a wide range of SmartDiscounts that can help lower your RV insurance premium. When you get a quote online or contact us for a quote, we can help you determine which discounts you qualify for and how much you can save.

Customers who switch to National General Insurance save an average of $349 per year, and you could save even more through SmartDiscounts like:

RVs and Autos on One Convenient Policy

Storage Option

GM/GMAC Discounts

Paid-in-Full Discount

Homeowners Discounts

And of course, we have built-in savings for having a safe-driving history, anti-theft and safety devices, and much more.

4. Will my attachments and accessories be covered?

5. A friend of mine totaled his RV and is still paying off his loan. Can you protect my RV better than that?

We sure can. It’s called our Optional Full Replacement Cost Coverage and here’s how it works: If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner. After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.

Optional Full Replacement Cost Coverage protects you from depreciation – you could save thousands!

7. What about my other insurance needs?

You can turn to National General Insurance for all your insurance needs, from coverage for your car, motorcycle or ATV, to golf carts, boats and even your home. And we provide multi-vehicle and multi-policy discounts that can add up to great savings.

In fact, you can earn a multi-vehicle discount of up to 20% for insuring your RV and autos with us. And if your RV and auto are ever involved in the same covered accident, you’ll only be responsible for one deductible, not two!

8. I’m interested in National General Insurance, but my current insurance doesn’t expire for several months. Do I have to wait till then?

There’s no need to wait until your current insurance runs out. You can cancel your current coverage at any time, and your insurer must send you a refund if you’ve paid in advance for any part of your unearned premium. Call us today for better coverage and great rates.

9. Does National General Insurance cover my RV in Mexico?

Since a regular U.S. auto insurance or RV insurance policy typically will not cover you under Mexican law, National General Insurance partners with approved Mexico Insurance professionals who provide the coverages you need when RVing through Mexico.

Check out our section on Mexico Insurance, or contact us for more information. But whatever you do, don’t travel in Mexico without the right coverage!

10. How much RV insurance coverage should I carry?

Determining the amount of RV insurance coverage you need means considering a number of factors.

State Requirements

The state where your vehicle is registered has a lot to do with the coverage you’ll need. Be sure to find out your state’s RV insurance requirements before choosing your coverage. Check with your local Department of Motor Vehicles (DMV) or your National General Insurance representative for more details.

Vehicle Type

The type of vehicle you drive influences the type of insurance coverage you need. Larger recreational vehicles mean the possibility of more damage to another vehicle. Highly customized RVs also can be more expense to repair. You’ll need liability coverage that is sufficient for the type of RV you’re insuring, and the way that you use it.

Leased or Financed Vehicles

If you’re looking to insure a leased or financed vehicle, you may be required to carry minimum insurance coverages that protect you from the risk of having to pay the full cost of the vehicle in case of an accident. When you’ve paid off your RV, you may be able to lower your RV insurance premiums.

Deductible

A higher deductible can lower your RV insurance costs in the short-run. But choose your deductible keeping in mind the amount of money you’re comfortable paying out-of-pocket in case of an accident or other loss.

Coverage Limits

Before you choose low RV coverage limits, consider your financial situation. Lower coverage limits may cost you less now, but in the case of an accident, will you have the ability to pay for damages that go over your insurance coverage limits? If not, consider higher liability limits. In the long run, it could be the best choice for you.

Storage Option

If you’re not using your recreational vehicle for extended periods of time, you can take advantage of our exceptional Storage Option. It allows you to reduce your premium up to 53% on average, by suspending collision and liability coverages when you’re not using your RV! Comprehensive stays in effect to protect you against threats like theft, wind, fire or storms.

Check with your RV insurance agent or a National General Insurance representative to see what’s best for your situation, since company policies and state requirements may vary.

11. Which drivers does my RV insurance policy cover?

Your policy covers all of the drivers you listed when you purchased your insurance policy. If you aren’t sure who is included, check your online account or call a National General Insurance representative at 1-800-325-1190 to find out.

12. Can I change my RV insurance policy as needed?

Yes. With National General Insurance, simply set up an online account and you can view and manage your policy at any time from your own computer. Using our online service allows you to make the following changes in just minutes:

Update your insurance coverage, deductibles or limits

Add or remove vehicles or drivers

Pay your premium

Change your personal contact information and address

Request forms

Print insurance policy documents

Get claims information

If you have questions or would like to speak to a customer service representative when changing your policy, please call 1-800-325-1190 for assistance.

Underwritten by these member companies of the National General Insurance Group, Winston-Salem, NC: Integon Specialty Ins. Co., Integon Indemnity Corp., Integon General Ins. Co., New South Ins. Co., Integon Preferred Ins. Co., Integon National Ins. Co. and Integon Casualty Ins. Co., National General Ins. Co., National General Assur. Co., MIC General Ins. Corp. and National General Insurance Co. Online, Inc. Coverage not available in HI and MA. Coverage in NJ provided by High Point Property and Casualty Ins. Co. which is not affiliated with National General Insurance Some features may not be available.

Underwritten by National General Ins. Co. in TX and National General Assur. Co. in WA. Coverage purchased through agencies is underwritten in TX by Home State County Mutual Ins. Co., administered by Integon National Ins. Co.; and in WA by Integon Indemnity Corp., Integon Preferred Ins. Co., and New South Ins. Co.

RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with National General Insurance Underwriting approval required.

$349 amount is based on nationwide data from new RV policyholder surveys from October 2, 2009 to March 29, 2010.

Insurance Policies purchased through the National General Insurance Homeowners Program are underwritten by select providers of homeowners, renters, condo, and other specialty insurance. Underwriting partners and coverage options vary by state and type of policy.